Refinance closings built for rate-lock windows.
Your lock has a clock on it. Our refinance process is built around that fact: fast attorney-reviewed commitments, payoffs verified by callback, and lender packages turned around on the lender's timeline, not ours.
How we keep a refi moving
- Same-day file opening from your loan officer's title request.
- Prompt title commitment, examined by a licensed Pennsylvania attorney, delivered electronically with the CPL the moment it issues.
- Payoff coordination with verified callbacks: every payoff figure and wire instruction confirmed by phone at a known number, never trusted from an email.
- Lien resolution: old unreleased mortgages, judgments, and municipal claims, chased down before they threaten the lock.
- Flexible signings at our Murrysville office or by appointment, including early evenings.
- Recording and post-closing handled promptly, with the final policy issued without anyone chasing us.
The quiet work on a refinance
Refinances look simple until they aren't. The chain hasn't been examined since you bought the property, and in Western Pennsylvania that gap is where problems hide: a home-equity line that was paid off but never satisfied of record, a deceased co-owner whose estate was never administered, a municipal lien from a sidewalk project, a mineral reservation your first title company glossed over.
Finding those early, in the first days rather than the last, is the difference between a refinance that closes inside the lock and one that doesn't. That's why the commitment gets attorney review here, on every file, including refinances.
Refinance questions
Why do I need title insurance again when I refinance?
Your new lender requires a new loan policy insuring its new mortgage. Your original lender's policy covered the loan you're paying off, and your owner's policy (if you bought one) continues to protect you and doesn't need to be repurchased.
What does a refinance title policy cost?
Pennsylvania rates are filed and regulated, and refinance transactions are rated differently than sales; the filed manual provides specific rates for refinance situations. Call 724-733-7700 with your loan amount and we'll quote it accurately in a few minutes.
How fast can you close a refinance?
Title work is rarely the constraint. We turn commitments quickly and coordinate signing around your lender's clear-to-close. Tell your loan officer to send the title order the day you apply, and the title side will be ready before the loan is.
Locking a rate? Get title started now.
Have your loan officer send the title request to [email protected], or call 724-733-7700 and we'll take it from there.
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